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Pros / This company offers services in 49 different states.

Cons / Fees and average reduction rates for Accredited Debt Relief are about average.

 Verdict / While the fees and reduction rates for this company are average, it is the only company on our lineup to also offer debt management and consolidation, which makes it an attractive option if you need additional financial help beyond the debt settlement process.

Editor's Note: This company has notified us of some changes to their services. The minimum debt amount required is $1,000 and their fees for debt reduction range from 15-25%. We will evaluate these features when we next update our reviews of Debt Settlement Services.

Accredited Debt Relief is a debt relief company that offers a variety of debt management services, rather than just taking one approach to debt relief. This service operates within a network of debt relief companies to find a good solution to your debt issues. Overall, it has a good reputation in the debt industry, with very few complaints filed against it, and it holds AFCC and IAPDA accreditations. It is for these reasons and more that Accredited Debt Relief wins the Top Ten Reviews Bronze Award.

Accredited Debt Relief is the only debt relief agency on our lineup to offer debt management and consolidation as well as debt settlement services. This means that when you are working with this company, you have more options for handling your debt than simply debt settlement. Not every option is for everyone, but Accredited Debt Relief can help you figure out which route is best for you.

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  • Customer Service
  • Resources
  1. We calculated this score based on our experience contacting customer service.
    Higher is Better
  2. 3  Accredited Debt Relief
    80.0 %
  3. 85.0 %
  4. 90.0 %
  5. Category Average
    81.5 %

Cost & Fees

When you enroll in a debt relief program, this service starts negotiating with your creditors. During this time, you start to place money in a federally insured account. The money in this account is yours, and you can access it at any time. When Accredited Debt Relief reaches a settlement with a creditor, the money in this account goes toward paying off your debt and the fees toward your debt settlement company.

This company charges average fees for its debt settlement program. The average reduction after fees for this service is about 25 percent. This means that if you enroll $10,000 of debt, you will pay Accredited Debt Relief anywhere from $1,800 to $2,500 in fees for negotiating and settling your debt. These fees are average for the debt settlement industry.

The length of your program depends on the type of debts you enroll and the willingness of your creditors to negotiate. However, debt relief programs with this service last between 24 to 48 months on average. Accredited Debt Relief does not charge any advanced fees or account management fees, which means that you pay it nothing unless your debts are settled.

Eligibility & Application

This service handles both business and personal debts, including medical bills, unsecured loans and credit card debt settlement. Additionally, Accredited Debt Relief provides service in 49 states, the widest range of all the services we reviewed.

Like many other debt relief agencies, Accredited Debt Relief has a minimum required debt. The Accredited minimum at $7,500 is on the low end of the required amounts of debt, with some other companies requiring up to $10,000. However, keep in mind that these minimum amounts depend on where you live and what types of debt you have.

Customer Experience

For questions, you can view the company's website, which explains different debt relief options and explains the severity of a debt relief program. The website also has information about different kinds of bankruptcy and its effects on your credit.

While the information found on the website is thorough, the site lacks other useful tools like budgeting worksheets and debt calculators. These tools work hand in hand with your debt settlement program and help you plan ways to stay out of debt and financial trouble.

If you enroll in Accredited's debt settlement program, you are assigned a personal advisor who will be your main point of contact for the duration of your debt settlement process. This is important because many debt settlement programs last for years and it is useful to have a single point of contact who is familiar with your case. You also have the options to manage your account through mobile and online portals.

Company Accreditations

This company is IAPDA and AFCC accredited. The International Association of Professional Debt Arbitrators, IAPDA, provides certification and training programs to debt arbitrators. These trainings are fully compliant with the laws that regulate the debt settlement industry. The AFCC, or American Fair Credit Council, works to enforce best practices and ethical standards for debt settlement companies. This council takes a consumer-centric approach to ensure consumers are not being taken for granted.


Accredited Debt Relief is one of the best debt settlement companies available. In addition to debt settlement programs, this company offers debt management and debt consolidation programs in 49 different states, more than any other company on our lineup.

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